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Please affix

APPLICATION FOR HOME LOAN recent


(for Resident Indians) photograph

I/We request you to grant me/us a loan facility of Rs. ____________________ under Home Loan Scheme for
_______________________________________________________________________________________

To enable you to consider the proposal, I/We submit the following particulars.
Please complete all sections in BLOCK LETTERS and tick  options wherever applicable

Name: _______________________ _______________________ __________________________


(First name) (Middle name) (Last name)

PAN/GIR No. : ____________________


Date of Birth : ______ ____ ______ Present address:
(DD) (MM) (YYYY) Address: __________________________________
Age: _______ (years) __________________________________
Sex : Male/Female _______________________________ __
Marital Status: City: ______________ State: ________________
Single/Married/Divorced/Widowed Pin code: ___________ ___
E-mail: Phone number: (O)_____________(R) __________
___________________________________ Years in current address: _________________
Employment status (tick mark): Mobile phone no: _______________
  Salaried Fax no: ___________________
  Self-employed Changed Residence in past 3 years :
  Professional Not Changed Once More than Once
  House wife Permanent address:
  Others Address: __________________________________
 Previous address: __________________________________
 Address: _____________________________ _______________________________ __
 __________________________________ City: ______________ State: ________________
 _________________________________ Pin code: ___________ ___
 City: ___________ State: _______________ Phone number: ________________
Pin code: ___________ ___

Father's/Husband's Education (tick mark): Banking with us (Y/N): ______


name:  Matric or below matric If yes, then fill the following:
____________________  Under Graduate/Higher secondary Banking with us since: _______
____________________  Graduate (YYYY)
 Post-graduate Account type: ______________
 Doctorate Account number: ___________
Branch name: ______________
Are you a BOB staff Category: No. of dependents (excluding
(Y/N): _____ SC/ST/OBC/OTHERS/MINORITY spouse): ________
COMMUNITY No. of children: ________
Passport No: ______________ Earning member in family,
if any (Y/N): __________
Mention branch where loan account should be opened:
Reason for choosing the branch (tick mark)  Near location of target property
 Near place of work/business
 Near place of present residence
 Branch maintains salary account
 Other: __________________
Income and expenses
Primary monthly income Other income details Monthly expenditure
Gross income: ______________ Rent received: ______________ Loan repayment: ____________
Deduction: ______________ Agriculture: ______________ Rent paid: _____________
Others: _______________ Others: _____________
Description: _______________
_______________
Salaried: Please tell about your work: Self-employed/Professionals: Please tell about
Employer name: ___________________________ your work:
Department: ___________________________ Name of company/firm:
Address: _________________________________ _____________________________________
_________________________________ Activity: _______________________________
City: ____________ State: _____________ Address: _________________________________
Pin code: _________ _________________________________
Phone no: ______________ Extn No: ________ City: ____________ State: _____________
Fax no: ____________________ Pin code: _________ Phone no: ____________
Company email: ___________________________ Fax no: ____________________
Designation: Executive/Managerial/Clerk Company email: ___________________________
Years with employer: _________ Designation: Executive/Managerial/Professional
Contact person: __________________ If professional, then choose one of the following:
Name of previous employer: _________________ Doctor Architect CA
Retirement age: ____ MBA Engineer Lawyer
Working with: Others: ________
 Govt./Public sector Years in business/profession: _________
 Public Ltd Contact person: __________________
 Private Ltd Retirement age: ____
 Partnership Business details:
 Proprietorship  Private Ltd Partnership
 MNC  Proprietorship Others: _______________
Established since: ________________
Credit card details Other assets
Credit Cards Owned : ______  Colour TV  Telephone
Card Issuer: ________  Refrigerator  Cellular Phone
Card No. : _____________________________  Car  Personal Computer
 Two Wheeler  Washing Machine

About bank accounts (including credit facilities, if any):


Name of Branch Branch Number of Account Account Account As on
Bank telephone years type Number balance date
number account held (Rs.)

Outstanding Loan details in individual name :


Source Purpose Date of Loan Outstanding EMI Overdue Overdue
sanction Amount amount, if any since

Income Details: Details of other present immovable Properties


(Other than proposed as security for housing loan)
1. Gross Monthly Income (Rs.) : _________
Nature of properties:
2. Salaried Person
Plot of Land Agricultural Land
(I) Monthly Basic (Rs.) : _________
House/ Godowns Others
(ii) % of PF deduction : _________
Location: Survey / House No.__________
3. Annual Professional Tax : ________
Street / locality_______________ _________
4. For Tax Purpose
Village/ Town__________Distt:____________
(i) Total Annual Savings under s/88:__________
Property in whose name?____________
(ii) 100% Rebate Amount : __________
Area / Size of the property:
(iii) Deduction under chapter VI A : __________
Cost (at the time of purchase): Rs._______
(iv) Other Rebate /Deduction claimed: _________
Present estimated market value: Rs.
5. Net Annual Income of other Whether encumbered: If yes, give detail:
Family members: __________
(Excluding co applicant & Guarantor)
Information on Guarantor/Co-applicant (if present)
About your Co-applicant: About your Guarantor:
Name : _______________________ Name : _______________________
Date of birth: _________________ (DD/MM/YYYY) Date of birth: _________________ (DD/MM/YYYY)
Father’s/husband’s name: ___________________ Father’s/husband’s name: ___________________
Relation with Applicant: _____________________ Relation with Applicant: _____________________
Address: ____________________________ Address: ____________________________
____________________________ ____________________________
____________________________ ____________________________
City: __________ Pin code: _________ City: __________ Pin code: _________
State: _______________ State: _______________
Occupation: _______________________ Occupation: _______________________
Phone/Fax: _______________________ Phone/Fax: _______________________
Email: ________________________ Email: ________________________
PAN/GIR Number:________________________ PAN/GIR Number:________________________
Net Annual Income (Rs.): ____________________ Net Annual Income (Rs.): ____________________

Net worth
In Rs. Applicant Co-applicant, if present Guarantor, if present
1. Total movable
2. Total immovable
3. Total assets (1+2)
4. Total liabilities
5. Net assets (3-4)
6. Amount of collaterals

Proposed Loan Details:


Tenure in Months: ____________________ Outside Borrowings (Rs): ___________________
Purpose: ______________________________ Loan Amount requested (Rs):________________
(a) Purchase Price (Rs): ______________ Rate of Interest %:_________________________
(b) Stamp Duty (Rs): ____________________ Floating / Fixed: ________________
(c) Registration Fee (Rs): __________________ Margin %: _______________________________
(d) Other (Rs): __________________________
Total (a+b+c+d) (Rs): _____________________

Details of Movable Assets in my name:


(A) Life insurance Policies
Policy No. Date of Sum Co. & Branch Annual Premium paid or
issuance Assured name Premium surrender value

(B) Shares/ Debentures/ Term deposits / Govt Securities (NSC etc)


Co./ Bank/ Post Office Date of Face Value Present value Due date Whether
Instrument encumbered

(C) Other movable assets:


Descriptions Year of acquiring Purchase price Market Value Valuation date
(D) Details of Liabilities:
Details Of Loan In Firms Name/ Company’s Name where you are interested as Prop, Partner/ Director
a) Name of the Bank/ institution and its branch :______________________
b) Purpose and amount of loan/ credit facilities :______________________
c) Security / Repayment schedule :________________________________
d) Present outstanding :________________________________
e) Liabilities other than to Bank and Financial Institutions: ________________
Details of Personal Guarantee given for any person/firm. If yes, furnish details (i.e. Name of
the Bank/ Institutions, on whose behalf, amount of guarantee, present status of a/c etc.) I
enclose / Submit documentary proof in support of the above submissions.

The loan applied for as above for Rs………….(Rupees…………………………………………………………) under Direct Housing Finance
Scheme is repayable in …………..monthly instalments of Rs……………….each. I / We note that the rate of interest applicable on the loan will be
at ……..% p.a. which would be applied at quarterly / monthly interval or as applicable from time to time. I undertake to contribute
Rs……………..towards margin money being ………% of the project cost.

Further I give below particulars about myself, dependants & legal heirs
Name/Age of dependents/ Relationship with Address Occupation / Vocation
Legal heirs the borrower of Legal heirs

I/We hereby declare that all the particulars and information furnished in the application form are true, correct and complete and up-to-date in all
respects. I/We have not withheld any information. I/We confirm that I/We have had no insolvency proceedings initiated against me/us nor have
I/We ever been adjudicated insolvent. I/We also authorize Bank of Baroda or its agent to make references and enquiries relative to information in
this application which Bank of Baroda considers necessary. I/We also authorize Bank of Baroda to exchange, share, part with all information
relating to my/our loan details and repayment history information to other Banks/Financial institutions/ Credit Bureaus/Agencies as may be
required and shall not hold Bank of Baroda liable for use of this information. I/We undertake to inform Bank of Baroda regarding any change in
my/our residence/employment/Occupation/Transfer and to provide any other information that Bank of Baroda may require. I/We further agree that
my/our loan shall be governed by the rules of Bank of Baroda which may be in force from time to time. Bank of Baroda reserves the right to reject
any application without providing any reason.
I further declare that I am not a Director in any Bank. There is no litigation against the firm or me / co. in which I am the proprietor /
a partner/ a Director.
I am / was not interested as Proprietor / partner/ Director in any firm/ company whose name is listed in caution list of RBI/ ECGC.
I/we under take to bear processing, service, documentation charges etc. stipulated by the bank from time to time. I/we agree, note and
understand that Bank of Baroda shall be entitled at its sole discretion to call back, the entire loan/advance whether due and payable or not
at any time without assigning any reason and enforce its rights, remedies and securities.
Yours faithfully,

Place : __________________________________
Date __________________________________ Signature of the Applicant/s / Co - Applicant

I am willing to stand as guarantor for the above loan ( details as per enclosed sheet)

Place : ______________________________
Date : _____________________________ Signature of the Guarantor/s

-------------------------------------------------------------------------For office use only------------------------------------------------------------------------------

Warm lead No: ______________ Sales executive code:


Borrower number:_______________ Branch name and alpha code where parked :

Property Details Proposed for the Loan (For Office use ):

1. Stage of construction (For New Construction): Final / Intermediate / Foundation / Plot


2. Age of Building/Flat in years (For Existing Construction ) : __________________

Builder’s/Seller’s Name: _____________________________________________________________


Area details:
Total area- ____________ Sq. ft. Built up area - _____________ Sq. ft.

Location / Address:
______________________________________________________________________________
______________________________________________________________________________
Particulars about Co- Borrower / Guarantor (wherever applicable)

Name: Father’s / Husband’s Name:

Details of other present immovable properties (Other than proposed as security for housing loan
in case of co borrower)

Nature of properties: Plot of Land / Agricultural Land / House/ Godowns / Others

Location: Survey / House No.__________Street / locality_________________ _________


Village/ Town___________ Distt:____________

Area / Size of the property: Present market value: Rs.


Whether encumbered: If yes, give detail:

Details of Movable Assets in my name:


(A) Life insurance Policies
Policy No. Maturity Sum Co. & Last premium Total Premium paid
Date Assured Branch name paid up to or surrender value

(B) Investments(Shares/ Debentures/ Term deposits / Govt Securities like,NSC etc)


Description Face value No of units Present market value

(C) Other movable assets:


Descriptions Purchase price Market value Valuation date

(D) Details of liabilities:


Details Of Loans / advances availed from Bank’s / Institutions & other liabilities:
Name of Bank/ Institution: Purpose :
Amount of Loan P/O ___________ overdue if any.
Details of Personal Guarantee given, if any:
Name of the person on whose behalf ________________ Bank / Institution
Amount of commitment _____________ Overdue if any_____________-

Particulars of Legal Heirs:


Sr. No. Name Relationship Age Present Address

I enclose / submit documentary proof in support of the above submissions.


I further declare that the information submitted above is true and correct to best of my knowledge
and belief.

Place:
Date: Signature
FOR INFORMATION OF HOME LOAN APPLICANT

A. UNIFIED PROCESSING CHARGES:

Unified processing charges to be levied as detailed below:

Upto Rs.50 Lacs: 0.50% of Loan amount:


Minimum: Rs.7,500/- (Upfront)
Maximum: Rs.12,500/-

Above Rs.50 Lacs: 0.25% of Loan amount:


Minimum : Rs.7,500/- (upfront)
Maximum: Rs.20,000/-
Plus GST

In case of takeover of Home Loan: Rs.7, 500/- (upfront) + Service Tax

The unified processing charges will include:


 Processing Charges
 Documentation charges
 Document Verification/ vetting charges
 Pre- sanction Inspection (Contact Point Verification-CPV) charges
 One time post inspection charges
 Advocate charges for legal opinion
 Valuer charges for valuation
 Bureau report charges
 CERSAI charges
 ITR Verification charges
B. PREPAYMENT/ PREMATURE CLOSURE CHARGES:

 No penalty is payable if loan is prepaid partly or fully.



C. LIST OF DOCUMENTS TO BE OBTAINED FROM THE CUSTOMER :
 Passport size photograph of all the applicants
 Residence and age verification, which may be established from the PAN card,
 Election ID, Passport, Driving License or Ration card.
 Proof of Business / office address.
 Bank statements for the last six months
 Copy of IT Returns for last 3 years alongwith assessment order.
 Salary slips for last 3 months (Minimum) in case of salaried class applicants.
 Copy of LIC premium receipts, if any, and / or copies of other investments.
 Certified copies of Balance Sheets and Profit and Loss accounts, copy of IT Return
alongwith assessment orders, advance tax challans (for both company/firm and
personal account) for the last three years in case of self-employed / business
 category applicants
 Brief profile of the company / firm in case of self-employed applicants
 Guarantor Details
 Copy of property documents
 Cheque for unified processing charges
______________________________________________________________________
ACKNOWLEDGEMENT TO THE APPLICANT FOR APPLICATION:

We have received home loan application from Mr. ____________________________ S/o


_________________________________ of ______________________________ for Rs.
______________________ on ________________.

Seal of the Branch For Bank of Baroda


_______________Branch
Date:_________________
ANNEXURE – 1 (B)

Draft Consent - cum - Authorization Form for Group Insurance Scheme

The Chief / Sr./ Branch Manager


__________________________

Dear Sir,

Re: Application for membership of _________________________Scheme

1. I, Mr/Mrs. ______________________________________________________
have obtained a sanction for availing the Home Loan, hereby give my consent to become
a member of the IFLIC Group Insurance Scheme, which will be administered by Bank of Baroda
as Group Manager.

My details are as below:

Name (in capitals): Shri / Smt. / Kum ___________________________________


Date of Birth : __________________(DD/MM/YYYY)
Age (as on last Birthday) as on date ___________ years
Limit sanctioned Rs. ______________EMI Rs.____________
Insurance cover obtained for Rs. _____________________
(Cover to be obtained for limit sanctioned limit)
Premium Amount :Rs.______________________
Rate of Interest :_________________ Loan Term:_______________

2. I hereby authorize you to debit my Loan account No. _____________________ a


sum of Rs. _____________ (Rupees____________________________ only) with your
branch towards the one time single premium.

* The same can be recovered from my Savings Account No. ___________


* Please include the premium amount as part of the Loan amount and fix up the
Equated Monthly Installments (EMIs) accordingly and debit the premium from my loan
account.
Strike out whichever is not applicable.

3. I agree that in the event of my unfortunate demise during the pendency of the loan, India First
Life Insurance (IFLIC) will be sole authority to consider the claim. IFLIC may settle
the claim amount as per their rules to the extent of the outstanding schedule of indebtedness
as on the anniversary preceding the death, in favour of the bank. These benefits will be
utilized towards the liquidation of the loan amount under the loan provided by the bank. In
the event of any surplus arising out of the benefits settled by Insurer after liquidating
the outstanding amount, I nominate

Sh./Smt./Kum___________________________________________________________
who is my____________________ (relationship) as the nominee to receive such surplus
amount.
4. I agree to pay the full premium at inception even though the full loan amount will be
disbursed by the bank only in phases.

5. I agree to abide by the terms and condition of the above scheme.

6. I agree to your conveying the above particulars regarding my admission into the group
insurance scheme to IFLIC.

No Objection Certificate from co-borrowers (if any) :

I/We, 1.______________________________ 2.__________________________________ do


not have any objection to Sh./Smt.___________________________

a) Joining the Group Insurance Scheme mentioned above and


b) One time single premium being debited to the Home Loan Account.

( )
Signature of the borrower

Place:
Date:
ANNEXURE-C
Credit Card Application Form for Home Loan Customers

Insert
passport
size photo
The Manager,
BOBCARDS,

Dear Sir/Madam,

(Please fill in CAPITAL letters only)


Re: Credit Card application
I/we have applied for Home Loan for Rs.__________________ with Bank of Baroda. I also wish to avail a credit card from BOBCARDS
ltd, which is a wholly owned subsidiary of Bank of Baroda. I understand that I will be eligible for credit card only after my Home Loan is
sanctioned by Bank of Baroda.

(All fields are mandatory)

Full Name(Fist/Middle/Last): __________________________________________________________________

Mother’s Maiden Name: _______________________________________________________________________

Date of Birth(DD/MM/YY) _________________Age ____(in years) Gender : Male / Female

PAN No. __________________________. Aadhar No. ________________________

Present Address:
____________________________________________________________________________________________
_____________________________________________City. ____________________Pin Code _______________

Permanent Address: ___________________________________________________________________________


_____________________________________________. City. ____________________Pin Code _______________

Office Name & Address:________________________________________________________________________


_____________________________________________. City.________________Pin Code_________________

Gross monthly Income:Rs.___________________________ (As per latest ITR)

Mobile No. __________________,________________


Email id. __________________________________

Name of the Nominee: ______________________________________ (Mandatory)


Relationship with Nominee___________________________

In case application is not considered favourably BOBCARDS Ltd reserves the right to retain documents.

I agree to abide by the terms and conditions as may be amended by the bank from time to time, without giving notice to me.
The most important terms & conditions as available on the website www.BOBCARDS.com have been read by me and I agree to abide
by them including joining and annual fee waiver criteria. I understand that bank/company reserves right to introduce/withdraw any of
the existing features/conditions including personal Accidental death cover, nomination details obtained stand null and void in such a
case, if arise. I further understand that in event of settlement of claim by the insurance agency against Personal Accidental death
cover, BOBCARDS dues, if any shall be appropriated first and balance shall be paid to the nominee.
In case of default in payment of the card outstanding, company may refer the matter to the sole arbitrator to be appointed by the
Company. The Arbitration shall take place at Mumbai and I undertake to abide by the terms and conditions what so ever of the award,
if any past by such arbitrator.
“I hereby authorize BOBCARDS Ltd. / Bank of Baroda to provide information exclusively for marketing purpose about the applicant and
/ or the card account to any of the third parties associated with BOBCARDS Ltd. / Bank of Baroda (Yes______No_____)”

Page 1
Page | 1
ANNEXURE-C
Credit Card Application Form for Home Loan Customers
Declaration
In consideration of BOBCARDS Ltd/Bank of Baroda granting/reviewing facility to use the credit card, I do hereby declare and confirm
that I have personally read and understood and interpreted aim vernacular, in full, before execution of all terms & conditions that have
been received by me. It is my responsibility to obtain the terms and conditions applying to the BOBCARDS International Credit Card
separately and read the same. I will be bound by the terms and conditions as may be in force from time to time. I agree to be charged
the joining card fee in my first statement. In case of application for add-on(s), I will be billed for such add-on cards in the monthly
statement. I undertake that the usage of the credit card shall be strictly as per the exchange control regulations of the Regulatory
authorities as applicable from time to time which I undertake to keep myself updated with and in any event of any failure to do so, shall
be liable for action under the Foreign Exchange Management Act 1999, or its statutory modification or re-enactment thereof. Credit limit
on my card account may be reviewed as per BOBCARDS Ltd policies specified from time to time and BOBCARDS Ltd will be entitled
to cancel my application/cards/alter the credit/cash limit/product upgrade at any time without assigning any reason.
I hereby authorize BOBCARDS Ltd/Bank of Baroda to provide information about the applicant and /or the card account to the financial
credit bureaus/ regulatory authorities. I confirm that the attached photograph is present true identity of myself and that of my additional
card application, which authorizes BOBCARDS Ltd to apply it to credit cards and for which I accept full responsibility and agree to not
to make any claims against BOBCARDS Ltd, in respect thereto. And that this condition applies in addition to the terms of the card
member Agreement which governs the use of my card. I also confirm that I am not a defaulter of any Credit Institution/Bank and my
repayments are regular. By signing this application, I understand that all the transactions effected through my credit account, I including
my successors, legal heirs, assignees shall be lawfully responsible for making payments of the same, as per the payment schedule in
force from time to time. I further understand that mere disputing the transaction shall not absolve my prime liability to defer/delay the
payment of my credit card dues and I along with my successor, legal heirs, and assignees will be fully responsible for making payments
of the same, as per the payment schedule in force from time to time. I understand that BOBCARDS Ltd/Bank of Baroda will provide the
credit as per Bank’s internal guidelines and I give my consent for issuance of different card in case I am not eligible for the product
applied for.

I/we irrevocably authorise Bank of Baroda/BOBCARDS Ltd. to debit my


A/c No. ______________________________________________________________ maintained with Bank of
Baroda__________________ branch, against monthly/any dues in credit issued to me

Total Amount Due Minimum Amount Due

Sign of A/c holder Sign of Joint a/c holder

Recommendation (office use)

We hereby certify that Mr/Ms._____________________________ is KYC compliant _____________account (type) having account no.
_____________________________________________________________________.

I/we confirm that borrower/s have been sanctioned Home Loan. We confirm that we have verified customers CIBIL report and his/her
CIBIL Score is _________ (mention CIBIL score).

We confirm, the details furnished above are correct, address, signature and other particulars mentioned in the application by the
customer are verified from our record.
We recommend that a credit card be issued with the limit he/she is eligible for as per circular number: ______________.

Signature - with stamp of Authorised Signatory.


Name & Designation: ______________________________
Signature Number-(Mandatory): _______________________
Branch Name/Office Name: ____________________________________
Region Name:_________________________________
Zone Name:_____________________________
Date:_____________

Branch/ Office Seal (Mandatory) Page 2


Page | 2
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